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| Owensboro | | Everyone has different needs, and | | Deficit Carried Forward: The transfer |
| Richmond | | not one size fits all when it comes to | | of a debit balance from one |
| Mansfield | | term life insurance. While it may make | | accounting period to another. |
| Burbank | | sense for people in their 30s and 40s | | |
| Ocala | | to secure a 20-year term length, a | | Losses Incurred: The total losses, |
| Joliet | | 10-year term might be more | | whether paid or not, sustained by an |
| Ogden | | appropriate for someone nearing | | insurer during a given period, e.g., 12 |
| Macon | | retirement. | | months. |